Job Purpose:
Reporting to the Relationship Manager for Business Banking, the Relationship Officer – Bashar Banking is tasked with overseeing and coordinating all micro businesses within their portfolio to drive alignment with the bank’s strategic goals and objectives.
Oversee a range of critical duties including managing day-to-day operations, ensuring compliance with company policies and industry regulations, and maintaining accurate financial records. Collaborate with cross-functional teams to implement strategic initiatives, drive process improvements, and enhance operational efficiency. Prepare and present detailed reports to senior leadership, analyzing performance metrics and identifying opportunities for growth. Foster a positive work environment by mentoring staff, resolving conflicts, and promoting teamwork. Stay updated on emerging trends and best practices to ensure the organization remains competitive and innovative in its field.
We handle the onboarding process and ongoing customer management to ensure smooth transitions and sustained satisfaction. This includes guiding new clients through initial setup, addressing inquiries promptly, and fostering long-term relationships to drive retention and loyalty.
Responsible for enrolling retailers and customers across diverse Ecosystem value chains and digital platforms, including WE and the JAZZY APP.
Prospect and cultivate relationships with potential customers to expand the client base.
Develop and execute outreach initiatives to foster customer retention while maintaining strong, ongoing relationships.
Leverage established relationships to grow the customer base.
The position involves managing loan processing tasks and ensuring strict adherence to compliance standards. Responsibilities include verifying documentation accuracy, assessing borrower eligibility, and coordinating with underwriting teams to finalize loan approvals. Additionally, the role requires monitoring regulatory changes, implementing updated policies, and conducting audits to mitigate risk and maintain organizational compliance. Strong attention to detail, analytical skills, and knowledge of lending regulations are essential for success in this role.
Expertly assist clients throughout the loan application journey, conducting on-site evaluations at both business and residential locations to authenticate financial details and collateral.
Facilitate prompt loan approval and fund disbursement in adherence to established service level agreements.
Present client requests for approval, ensuring the security and accuracy of all disbursements and transactions.
Promptly address accounts that have surpassed their payment due dates by commencing appropriate recovery protocols.
Develop and execute marketing strategies to enhance brand visibility and drive sales growth; identify target markets, analyze consumer trends, and oversee promotional campaigns. Collaborate with cross-functional teams to align sales initiatives with organizational objectives, ensuring cohesive messaging and maximum market penetration. Prepare detailed reports on campaign performance, market research, and sales metrics to inform strategic decisions. Maintain strong relationships with clients, distributors, and partners to foster long-term business opportunities.
Execute strategic marketing initiatives to attract and onboard new clients.
Demonstrate proficiency in promoting and selling additional banking products to existing customers, as well as upgrading them to higher-value offerings, to enhance customer satisfaction and revenue growth.
Forge and maintain strategic partnerships with key ecosystem stakeholders through pre-existing connections to drive growth and collaboration.
Ensuring strict adherence to established policies and procedures through comprehensive training programs is essential.
Deliver comprehensive training sessions to branch personnel regarding Bashar Banking lending policies, procedural protocols, and newly introduced products.
Serve as the primary steward of branch adherence to established credit policies while maintaining accountability for the enforcement of institutional banking regulations.
Provide exceptional customer service and support by addressing inquiries, resolving issues promptly, and ensuring a positive experience for all clients. Maintain a thorough understanding of products, services, and policies to deliver accurate and helpful assistance. Collaborate with cross-functional teams to improve customer satisfaction and streamline support processes. Demonstrate strong communication skills, patience, and problem-solving abilities while handling escalated or complex cases. Prioritize efficiency and professionalism in all interactions to foster long-term customer relationships.
Deliver exceptional customer service while expediting loan processing and providing timely feedback on loan applications.
Foster effective communication and collaboration with both internal teams and external partners within the branch setting.
Engage clients in financial literacy programs and provide guidance on maintaining accurate documentation.
Portfolio and relationship management entails the strategic oversight of investment portfolios and the cultivation of client relationships to ensure alignment with financial objectives and business growth. This role involves analyzing portfolio performance, identifying opportunities for optimization, and maintaining strong, long-term connections with clients to foster trust and satisfaction. Responsibilities include conducting regular reviews of portfolio allocations, assessing risk exposure, and providing tailored recommendations to meet evolving client needs. Additionally, the position requires effective communication to articulate investment strategies and deliver consistent value.
Maintain a current and effective portfolio management toolkit to ensure efficient follow-up with customers.
Perform post-disbursement inspections and establish baseline data for all customers to ensure adherence to program requirements and accurate record-keeping.
Responsible for collecting and documenting deposits, ensuring all transactions are accurately recorded and compliant with established policies and procedures.
Launch deposits into action by leveraging strategic initiatives designed to attract and secure funds efficiently. Focus on expanding the deposit base through targeted campaigns, fostering customer engagement, and optimizing product offerings tailored to diverse client needs. Analyze market trends and competitive benchmarks to refine approaches, ensuring alignment with organizational goals and regulatory standards. Collaborate cross-functionally with sales, marketing, and risk management teams to implement cohesive strategies that enhance customer acquisition and retention while maintaining financial stability and compliance.
We are seeking a highly motivated and skilled candidate to join our team, possessing a proven track record in [industry/field] and a minimum of [X years] of relevant experience. The ideal applicant will hold a [specific degree/certification, if applicable] and demonstrate expertise in [key skill/technology]. Strong analytical, problem-solving, and communication abilities are essential, along with the capacity to work collaboratively in a fast-paced environment. Responsibilities will include [list 1-2 key duties], as well as [additional duty], with a focus on delivering measurable results and adhering to best practices. Proficiency in [specific tool/software] and familiarity with [relevant process/standard] are required, and prior experience in [specific industry or type of project] is highly preferred.
Holding a university degree, preferably in Education, Social Sciences, or a Business-related field.
Achieved a cumulative average grade of C+ in the Kenya Certificate of Secondary Education (GCSE).
With a minimum of three to four years of hands-on experience in the financial services industry, particularly in sales, candidates should bring a proven track record to the role.
Proficiency in the microfinance sector would be considered a valuable asset.
With a proven track record in project management, expertise in monitoring and evaluation would be highly beneficial.
Displays remarkable ingenuity, creativity, and resourcefulness in all aspects of the role.
Skilled in fostering strong business relationships and employing effective business closure strategies.
Proficient in designing, strategizing, and executing initiatives in alignment with established business objectives and long-term plans.
Proven ability to communicate effectively and resolve conflicts constructively.
Proven ability to train and coach teams effectively, ensuring skill development and high performance standards are met.
Excellent verbal and written communication abilities, along with polished presentation and negotiation expertise.
Exceptional proficiency in analytical thinking and problem resolution is essential.
Qualifications
BA/BSc/HND , KCSE
Experience Required
3 - 4 years
